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Why do vending machine operators need business insurance?
Vending machine businesses face a variety of risks, including theft, property damage, and lawsuits related to your products. Insurance for vending machines covers hefty financial losses that could devastate your business. Some insurance policies may be required by state laws or client contracts.
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With Insureon, vending machine operators can get insurance coverage the same day they apply for quotes.
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What types of business insurance do vending machine operators need?
These policies cover common risks faced by vending machine operators.
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for vending machine business owners to buy general liability coverage and commercial property insurance together.
BEST FOR
- Stolen inventory
- Damaged vending machines
- Business interruption insurance
General liability insurance
A general liability policy covers third-party injuries and property risks, such as a customer who injures their hand when trying to retrieve a candy bar or other item from a vending machine.
BEST FOR
- Customer accidents or food poisoning
- Libel and other advertising injuries
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for vending machine businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical bills
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This policy helps vending machine operators survive data breaches and cyberattacks. It's recommended for any business that handles credit card numbers or other personal information.
BEST FOR
- Data breach notification expenses
- Fraud monitoring services
- Cyber extortion demands
Commercial umbrella insurance
Commercial umbrella insurance boosts coverage on your vending machine business's general liability, employer’s liability, or commercial auto insurance once the policy limit is reached.
BEST FOR
- Bodily injury lawsuits
- Property damage lawsuits
- Auto accident lawsuits
Commercial auto insurance
Commercial auto insurance covers accidents involving a vending machine operator's truck or other vehicle. Each state has its own requirements for auto insurance policy limits.
BEST FOR
- Damage to another vehicle
- Injuries caused to another person
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for retailers?
A vending machine operator who owns a few machines can expect to pay less for insurance than a larger business.
Factors that affect premiums include:
- Retail products and services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
- Any additional coverage, such as crime insurance or inland marine insurance
How do I get vending machine business insurance?
It's easy to get insurance for vending machine businesses if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right type of coverage for your vending machine business, whether you work independently or hire employees.
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